Insurance Considerations for NEMT Companies

Insurance is one of the most frequently misunderstood considerations when starting or growing a Non-Emergency Medical Transportation (NEMT) business. While coverage is often viewed as a checkbox to operate, the type of policy — and who structures it — can significantly impact long-term risk.

Industry-Specific Knowledge Matters

A common consideration for NEMT providers is who they work with for insurance. Local insurance agents or brokers who are unfamiliar with the NEMT industry may offer inexpensive quotes, but those policies often do not adequately cover wheelchair or stretcher transportation, patient handling, or loading and unloading exposure.

A lower premium may look appealing upfront, but gaps in coverage usually surface only after a claim occurs.

Commercial Auto & General Liability

Commercial auto and general liability policies for NEMT companies are influenced by vehicle type, passenger assistance, service area, and contract requirements. Brokers who do not understand NEMT operations may overlook critical endorsements or exclusions that are specific to this industry.

Many providers consider whether their broker understands:

• Wheelchair and stretcher transportation risks

• Patient interaction and transfer exposure

• Facility and payer insurance requirements

• Coverage considerations as vehicles are added

Access to Resources (At No Cost)

As part of our consulting efforts, we are happy to share suggested insurance broker resources at no cost for NEMT commercial auto and general liability coverage.

Please note:

• We are not an insurance broker

• We do not sell insurance

• We do not provide quotes

• Please do not call to request this information

To receive broker options to consider, please complete the form below. Resources will be emailed to you for review.

https://www.myelitecourses.com/contact

Disclosure & Resources

My Elite Courses provides education, training, and industry insight for non-emergency medical transportation (NEMT) professionals. We actively operate in the NEMT industry and aim to help others connect with appropriate resources.

We share educational resources and industry connections at no cost.Please do not call to request resources.

To receive suggested resources or submit general questions, please complete the form below. Information will be provided via email.

Request resources or submit questions:https://www.myelitecourses.com/contact

NEMT Consulting Services

For those seeking a more in-depth conversation, My Elite Courses also offers NEMT consulting services for startups and current operators.

Consulting services are offered at a cost.You may request a free 30-minute introductory consultation to determine fit and how we may be able to assist.

Request a 30-minute NEMT consultation:https://www.myelitecourses.com/contact

Free Community Resource

You may also choose to join our free Facebook community, The NEMT Standard, which connects NEMT professionals at all stages with industry resources, conversations, and peer support.

Join The NEMT Standard Community (Free):https://www.facebook.com/share/g/16snXy7nUC/

There is no cost to join.